When trying to predict these different sources of claims, underwriters need to consider a variety of factors to understand the cause of water losses fully. These factors include climate, hydrology, and physiography, as well as property build qualities, conditions, and repair costs. (Credit: danielfela/Shutterstock) When trying to predict these different sources of claims, underwriters need to consider a variety of factors to understand the cause of water losses fully. These factors include climate, hydrology, and physiography, as well as property build qualities, conditions, and repair costs. (Credit: danielfela/Shutterstock)

Non-weather water claims are among the most common type of property insurance claims —both in personal and commercial lines. One in 15 people in the United States with a standard five-year home insurance policy will experience a non-weather water claim at some point during their coverage.

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